Motorcycle

Insurance

Do you remember the day you got the M added to your driver’s license? That one single letter opened a whole new world for you. We understand that world. And it is a world that brings with it unique insurance needs.

Protecting your bike is important but protecting you is paramount. Don’t put your well-being at risk. If all you know about your motorcycle insurance is how much you pay, then you need Advocate. Let’s talk about your options. Our licensed brokers can help you be confident that you have the motorcycle insurance coverage you need.

Want to understand how Advocate will
help you in the event you have a claim?

Let’s get started in helping you find YOUR insurance solution.

Call Advocate today for a Motorcycle Insurance quote.

Am I covered for items stolen from my vehicle?

Clients are often confused about how this is handled. If the items stolen are permanently attached to your vehicle, for example the stereo system, then it is covered under your auto policy. However if an item like your briefcase, purse or sports equipment is stolen, then you would claim that under your personal property policy (i.e. home or tenant insurance). Limits and deductibles apply so please call us to discuss.

What information do I need to apply for auto insurance?

The Ontario Automobile Policy is regulated by the Government, including what information can be used to base your rate on. This includes a number of details about your vehicle and about the individuals driving the vehicle and/or who reside in your home. For example you will need to provide – address, date of birth, date you were licensed, year/make/model/VIN of your vehicle, how your vehicle is used (i.e. commuting to work), annual mileage you drive, and driving record (dates/details of claims, tickets and accidents). This is not an exhaustive list but will give you an idea of the key information required to get auto insurance.

Why did my insurance premium increase?

There are a number of factors that could cause your insurance premium to increase. All insurance companies must have their Ontario auto rates approved by the Government regulator, Financial Services Commission of Ontario (FSCO). Depending on the details of your policy, your rates could go up on renewal when you enter a new policy period. Or perhaps you’ve made a change to your policy such as –

Change the use of the vehicle (i.e. commuting distance)

Added/deleted vehicles

Added/deleted a driver

Suffered a recent claim

Amended coverage, limits or deductibles

Always work with a licensed insurance broker who will take the time to review your policy with you and answer any questions you have.

What should I do in the case of a hit and run?

It is important to report this to the police within 48 hours and to have a police report available to share with the insurance company. In hit and run instances, the claim will be considered not at fault if it is reported to the police, but your collision deductible will apply.

If I’m travelling outside Canada in my vehicle, do I need to inform Advocate?

Your Ontario Automobile Insurance policy will provide coverage while travelling within Canada and the United States. Your insurance company will need to know if your vehicle is outside of Canada for 6 consecutive months.

We recommend that if you are making frequent trips outside of Canada, that you increase your liability limit to ensure you have sufficient coverage in the event of a loss outside of Canada. Many clients are surprised how inexpensive it is to increase their liability limit. Call us today and we will give you a quote.

"We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."

- S. Hunter

"After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."

- D. Kalinowski

"Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"

- D. MacDougall

"I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."

- C. Johnson

"We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."

- S. Hunter

"I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."

- C. Goga

"My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."

"With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."

- K. Crane

"Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."